+ Mission specifics
+ Target markets (ranked by importance)
Women
1
Clients living in rural areas
2
+ Development goals (ranked by importance)
Poverty reduction
1
Gender equality and women's empowerment
2
Improvement of adult education
3
Health improvement
4
Housing
5
+ Poverty targets
Poor clients
1
Low income clients
1
+ Governance
Has trained members of its board on social performance management
+ Range of products and services
+ Financial products and services offered
+ Credit products offered
Microcredit loans for microenterprises
1
Loans for agriculture
1
Housing loans
1
+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
1
Other compulsory insurance required:
1
Int ps offerinsuranceothertextcompulsory c
desgravamen
+ Voluntary insurance products offered
+ Other financial products and services offered
Debit/credit card
1
+ Non-financial services offered
+ Enterprise services offered
+ Education services offered
Financial literacy education
1
Basic health/nutrition education
1
Other education services offered:
1
Int ps nonfinsvcedothertext c
Medioambiente y salud
+ Health services offered
+ Women's empowerment services offered
Women's rights education/gender issues training
1
+ Products and services targeting the poor
Products and services specifically designed to target the poor:
Banca Comunal
+ Social responsibility to clients
+ Client protection principles in use
The loan approval process requires evaluation of borrower repayment capacity and loan affordability. Loan approval does not rely solely on guarantees (whether peer guarantees, co-signers or collateral) as a substitute for good capacity analysis.
Internal audits check household debt exposure, lending practices that violate procedures including unauthorized re-financing, multiple borrowers or co-signers per household, and other practices that could increase indebtedness.
Productivity targets and incentive systems value portfolio quality at least as highly as other factors, such as disbursement or customer growth. Growth is rewarded only if portfolio quality is high.
Prices, terms and conditions of all financial products are fully disclosed to the customer prior to sale, including interest charges, insurance premiums, minimum balances, all fees, penalties, linked products, third party fees, and whether these can change over time.
Staff is trained to communicate effectively with all customers, ensuring that they understand the product, the terms of the contract, their rights and obligations. Communications techniques address literacy limitations (e.g. reading contracts out loud, materials in local languages).
Acceptable and unacceptable debt collection practices are clearly spelled out in a code of ethics, book of staff rules or debt collection manual.
A mechanism to handle customer complaints is in place, has dedicated staff resources, and is actively used. (Suggestion boxes alone are generally not considered adequate.)
Customers know how their information will be used. Staff explains how data will be used and seeks permission for use.
+ Cost of services to clients
Declining balance interest method
+ Social responsibility to staff
+ Human resources
Benefits (medical insurance, pension contribution)
Protection at work (safety, anti-harassment)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
Còdigo de êtica, principios y valores institucionales, reglamento interno de trabajo
+ Basis of staff incentives related to social performance
Quality of social data collected
Portfolio quality
Incentivos por cumplimiento de sesiones educativas
+ Social responsibility to the environment
This institution trains/educates clients regarding environmental improvements
+ Poverty measurement tools in use
Grameen Progress out of Poverty Index (PPI)
MFI Report
